Illinois Code § 215 ILCS 5/351A-9.3

Claim denial; explanation.
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Sec. 351A-9.3. 

Claim denial; explanation. 

If a claim under a long-term
care insurance contract is denied, the issuer, within 60 days after
receipt of a written request by a policyholder or certificate holder or a
policyholder's or certificate holder's representative shall:

 
 
(1) provide a written explanation of the reasons for 
 
the denial; and

 
 
(2) make available all information directly related 
 
to the denial.

the denial; and
to the denial.

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